Financial planning is not a single event but an ongoing process which moves you steadily
toward your goals through the combination of continuous planning, action and review.
When a financial plan is created, it can serve as a current benchmark for assessing where you are
in your journey toward achieving your goals. But a financial plan must
be dynamic. As circumstances change - family needs, health, finances, markets, legislation,
and goals - the plan and your financial activities need to change too. This is why the
keys to successful financial planning are:

To design a financial plan that acts as a starting point and refer to it in
order to assess how far you’ve come and if you are where you need to be.

To periodically re-evaluate your plan and make necessary adjustments to your
investments, savings and other financial practices, as well as to the plan itself.

Under the financial planning retainer agreement, which is optional following the initial
financial planning phase, we will provide you with the following planning services:

Annual meeting to review the entire plan, assess where you are and decide
how to adjust the plan for the coming year